Loan interest rates in Luxembourg

Current consumer loan interest rates in Luxembourg

Here is the current rate from our grid for a typical case of each loan, with the monthly instalment and the full range of the grid: these are the simulator's rates.

Current loan interest rates in Luxembourg, for a typical case of each loan

Loan and typical case	Fixed APR	Monthly instalment	Full grid
Personal loan10 000,01 € over 60 months	7,95 %*	201,20 €	from 7,95 % to 14,49 %
Debt consolidation20 000 € over 84 months	7,95 %*	308,48 €	from 7,95 % to 14,49 %
Home improvement loan20 000,01 € over 120 months	5,30 %*	213,85 €	from 5,30 % to 6,80 %
Energy loan20 000,01 € over 120 months	4,60 %*	207,33 €	from 4,60 % to 5,60 %
Car loan · New or up to 3 years25 000 € over 60 months	5,24 %*	473,13 €	from 5,24 % to 6,74 %
Car loan · Over 3 years10 000 € over 48 months	7,54 %*	240,81 €	from 7,54 % to 8,59 %

Month-by-month trend

The rate for each typical case, recorded on the 1st of every month since September 2026.

Personal loan

Debt consolidation

Home improvement loan

Energy loan

Car loan · New or up to 3 years

Car loan · Over 3 years

Monthly change in the rate of each typical case

Month	Personal loan	Debt consolidation	Home improvement loan	Energy loan	Car loan · New or up to 3 years	Car loan · Over 3 years
October 2026	7,95 %unchanged	7,95 %unchanged	5,30 %+0,60 pt	4,60 %+0,20 pt	5,24 %+0,35 pt	7,54 %+0,55 pt
September 2026	7,95 %	7,95 %	4,70 %	4,40 %	4,89 %	6,99 %

From September 2026 to October 2026: Home improvement loan goes from 4,70 % to 5,30 % ; Energy loan goes from 4,40 % to 4,60 % ; Car loan · New or up to 3 years goes from 4,89 % to 5,24 % ; Car loan · Over 3 years goes from 6,99 % to 7,54 %.

Latest recording: October 1, 2026

How to read this barometer

• Who publishes it: Credit 24, a credit broker in Luxembourg since 2011, for residents of the Grand Duchy and of Belgium.
• The source: our current rate grid, the same one the simulator uses. The current rates follow it at all times; the month-by-month trend records it automatically on the 1st of every month, and a recorded month is never changed afterwards.
• The typical case: a fixed amount and term for each loan, so that months can be compared. Your rate depends on your amount, your term and your application.
• Fixed rates: the monthly instalment never changes for the whole term of the loan.
• The APR: Credit 24 never charges an arrangement fee, so the APR is equal to the borrowing rate.
• New or used up to 3 years old: both have exactly the same grid, hence a single line for a recent vehicle on the car loan.

What will my rate be?

The simulator gives you the rate, the monthly instalment and the APR for the amount and term of your choice. To find out what your budget allows, use the borrowing capacity calculator.

The information on this page does not constitute a credit offer and is subject to acceptance of the loan application.